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withPEPS

Active
Private limited companyfounded 201511 yrs activeBosstraat 567, 1150 Sint-Pieters-Woluwe, BelgiumKBO/BCE: BE 0578.885.805
Summary

withPEPS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €417,779 and a net result of €45,619. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 4059 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
withPEPSActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Other professional, scientific and technical activities
NACE 74999NACE 74909
1 site
Size
€461,730total assets 2025
Equity
€417,779
Profit
€45,619
Turnover not published (abridged schema)
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 28 d late0 of 3 deeds read
Why 96- Latest accounts 28 days late; 1 of the last 3 late+ Equity €417,779 (90.5% of total assets)+ Liquidity: current ratio 10.43, cash €64,503, halved+ Sector Other professional, scientific and technical activities (NACE 74)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 65% of its sector peers (NACE 74, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 90.5% of total assets
Liquidity 67-33
short-term debt 9.5% · cash 14.0%
Profitability 81-4
return on assets 9.9%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (5,346 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%▼ -5.9% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%▲ +2.1% vs 03-2025 05-2025: < 0.1%▼ -2.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%▲ +4.2% vs 06-2025 08-2025: 0.1%▲ +60.0% vs 07-2025 09-2025: 0.1%▲ +10.0% vs 08-2025 10-2025: < 0.1%▼ -55.7% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▼ -5.1% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▼ -2.7% vs 03-2026lowest value 05-2026: < 0.1%▲ +2.8% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +2.7% vs 06-2026 08-2026: < 0.1%▲ +23.7% vs 07-2026 09-2026: 0.1%▲ +95.7% vs 08-2026highest value 10-2026: 0.1%● 0.0% vs 09-2026highest value
  • Latest accounts 28 days late; 1 of the last 3 late raises the probability
  • Equity €417,779 (90.5% of total assets) lowers the probability
  • Liquidity: current ratio 10.43, cash €64,503, halved lowers the probability
  • Sector Other professional, scientific and technical activities (NACE 74) lowers the probability
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 10.43 against 14.57 in 2024; short-term debt: 9.5% and cash: 14% of total assets), and 9.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 74, micro). Better than this share of them on solvency 88%, liquidity 59%, profitability 55%, growth against the median 59%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 28 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Equity €417,779 (90.5% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 10.43, cash €64,503, halved
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Other professional, scientific and technical activities (NACE 74)
In the bankruptcy model this factor lowers the probability.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
28 d late
2024
41 d late
2023
28 d late
2022
28 d late
2021
40 d late
2020
13 d late
2019
13 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 27 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Among the best 5% on equitysector median €41,544 · 4,062 companies €417,779 View
  • Positive: 8 profitable years in a rowprofit 2025: €45,619 8 years View
  • Total assets 20256 fiscal years filed €461,730 View

By topic

Financials

Fiscal year
2025
Total assets
€461,730
Profit
€45,619
Solvency
90.5%
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 28-08-2026Annual accounts filed
  2. 10-09-2025Annual accounts filed
  3. 28-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other professional, scientific and technical activitiesNACE 74999
Founded
26-01-2015
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

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